First Chicago vs Mercury Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

First Chicago
Not Rated
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Insurify Composite Score

Mercury
81
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Insurify Composite Score

First Chicago VS Mercury
Not Rated
81
What is this?
User Ratings
OptionsFirst Chicago Mercury
Rating/Reviews
6 reviews
1,419 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFirst Chicago Mercury
Local Agent--The rest
Overall Satisfaction--The rest
Policy Offerings--The rest
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFirst Chicago Mercury
Claim Servicing--The rest
Estimation Process--About average
First Notice of Loss (FNOL)--The rest
Overall Satisfaction--The rest
Rental Experience--The rest
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionFirst Chicago Mercury
California--795 pt
The rest
Florida--808 pt
The rest
Mobile App Ratings
RegionFirst Chicago Mercury
Android--
161 Reviews
Financial Ratings
OptionsFirst Chicago Mercury
A.M. Best--A
Fitch--A
Moody's--A2

Auto Insurance Quotes

For Married Drivers

CityFirst Chicago Mercury
Austin--$74
Chicago$47$106
Phoenix--$96
Santa Monica--$67

For Single Drivers

CityFirst Chicago Mercury
Austin--$81
Chicago$58$152
Phoenix--$93
Santa Monica--$122

For Male Drivers

CityFirst Chicago Mercury
Austin--$77
Chicago$55$146
Phoenix--$94
Santa Monica--$116

For Female Drivers

CityFirst Chicago Mercury
Austin--$78
Chicago$49$113
Phoenix--$95
Santa Monica--$72

For Drivers with Speeding Ticket

CityFirst Chicago Mercury
Austin--$102
Chicago$74$174
Phoenix--$114
Santa Monica--$134

For Drivers with No Speeding Ticket

CityFirst Chicago Mercury
Austin--$72
Chicago$48$119
Phoenix--$91
Santa Monica--$86

For Drivers Age Between 18-40

CityFirst Chicago Mercury
Austin--$81
Chicago$64$150
Phoenix--$92
Santa Monica--$136

For Drivers Age Between 40-65

CityFirst Chicago Mercury
Austin--$70
Chicago$43$103
Phoenix--$90
Santa Monica--$60

For Drivers Age of 65+

CityFirst Chicago Mercury
Austin--$93
Chicago$41$147
Phoenix--$123
Santa Monica--$67

For Drivers with Average Credit

CityFirst Chicago Mercury
Austin--$86
Chicago$56$134
Phoenix--$103
Santa Monica--$83

For Drivers with Fair Credit

CityFirst Chicago Mercury
Austin--$84
Chicago$52$111
Phoenix--$102
Santa Monica--$79

For Drivers with Good Credit

CityFirst Chicago Mercury
Austin--$74
Chicago$46$123
Phoenix--$99
Santa Monica--$67

For Drivers with Excellent Credit

CityFirst Chicago Mercury
Austin--$67
Chicago$55$149
Phoenix--$75
Santa Monica--$147

Quotes & Discounts

Discount typeFirst Chicago Mercury
Anti-Theft DeviceUp to 20%Up to 5%
Claims Free RenewalUp to 20%--
Multiple VehicleUp to 15%Up to 26%
Defensive DriverUp to 5%--
Good DriverUp to 5%Up to 18%
Good StudentUp to 5%Up to 10%
Home OwnerUp to 5%--
Paid in fullUp to 5%Varies
Advance shopperVaries--
Anti-lock BrakeVaries--
Continuous CoverageVaries--
Current insuranceVaries--
Early QuoteVaries--
LoyaltyVaries--
Mature driverVaries--
No lapse in coverageVaries--
Occasional driverVariesVaries
Prior carrierVaries--
Provider SwitchVaries--
VIN EtchingVariesVaries
Federal Employee--Varies
Good Credit--Up to 73%
Low Mileage--Varies
Multiple Policy--Up to 10%
Organization--Varies
Passive Restraint--Up to 5%
Professional organization--Varies
Public Safety Professional--Varies
Senior Adult--Varies
Student Away at School--Up to 10%

Payment Methods

Discount typeFirst Chicago Mercury
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
In Person Payment
yes--
Mail Payment
yesyes
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesFirst Chicago Mercury
24/7 serviceyesyes
Flexible / convenient paymentsyes--
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFirst Chicago Mercury
Comprehensive Claim Forgiveness
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes

Insurance by State

Uber and Lyft driver insurance

  • First Chicago
  • Mercury
  • Both

SR‌-22 Insurance by State

  • First Chicago
  • Mercury
  • Both

Compare Insurance Products

ProductFirst Chicago Mercury
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insurance--yes
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insurance--yes
Home InsuranceHome Insurance--yes
Renters InsuranceRenters Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • First Chicago Reviews
  • Mercury Reviews
3.3
5 Stars
50 %
3 Stars
17 %
1 Star
33 %

Most Positive Review

By Lynn
It's my choice I just need a lower rate

Most Critical Review

By Vincent
TOO EXPENSIVE!!

All Reviews

Showing 1 - 6 out of 6 Reviews
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Read reviews that mention

maria diaz
Es barato y miy Buena aseguranza
Tracy
If I could give them zero stars I would. I was in a wreck that was not my fault and had a very hard time communicating with this company. That should've been my first red flag. I drive a Chevy 1500 Silverado and needed a like kind rental car for my business to operate. I got a Tahoe as a rental car so I could continue working then when it came time to get a check they did not even give me half for the rental car. What they never mentioned (because they were impossible to get ahold of) was that you only get $29 a day for a vehicle. I WAS NEVER TOLD THIS. So now I am out over $1000 and they have taken zero responsibility. If you get in a wreck and they have this insurance company try like HELL to settle without getting insurance involved because you will hate them as much as I did. TRASH company. TRASH employees. TRASH communication. and TRASH management. ABSOLUTE GARBAGE.
Quinica Darden
They suck majorly. I've paid all this money every month, then something finally happens. These people have had my car for the longest, and they haven't called me to update me on anything. They are moving extremely slow with my process. Ive been in this rental for 2 weeks now and have had to pay 599.00 for the two weeks. They will only reimburse me up to 420.00 of that. Now I have to keep the rental longer and pay more because they took their sweet time with my claim, and still don't have any information to give me about my car that they still have in their possession. People pay their money to feel safe and secure, and know they will be taken care of. Even their managememt promised to call me back to update me and still didn't. I never got one call from my claims officer ever. I had to call them because they xan take my money but dont know how to contact you and update you on tue status of your property. I feel scammed. I feel like Ive been jipped out if everything. I would not recomment these people. I would give them 0 stars if that was an option. I payed full coverage service to barely receive service at all. I want to say so much more, but its beneath me. It's been 30 days now and still no answer from them. I cant wait to get my property back. 1st chicago will not get another dime from me. Im switching to Progressive. They might cist more, but they take better care of their people, and actually care. I can't believe I stayed with this company for as ling as I did.
Misty cooksey
5 stars
Lynn
It's my choice I just need a lower rate
Vincent
TOO EXPENSIVE!!

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.